• Title/Summary/Keyword: 운전선도

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Comparison of Heating Characteristics of Electric Heating Element Heater and Oil Hot Air Heater in Single Span Greenhouses (전기발열체 난방기 및 유류온풍 난방기의 단동온실 난방 특성 비교)

  • Kwon, Jin Kyung;Kim, Seung Hee;Shin, Young An;Lee, Jae Han;Park, Kyeong Sub;Kang, Youn Koo
    • Journal of Bio-Environment Control
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    • v.26 no.4
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    • pp.324-332
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    • 2017
  • The comparative experiments were conducted for single span greenhouses where cucumbers were cultivated to analyze the effect of heating between a carbon fiber electric heating element heater and an oil hot air heater in terms of the inside climate, energy consumption and plant growth. In order to analyze the effect of heating capacity, 6, 9, and 16 kW of electric powers were supplied to the electric heating element for same setting temperature of 15?. As a result, as the heating capacity increased, the number of ON-OFF cycles of the electric heating element and the temperature inside the greenhouse increased proportionally. In the comparison of two heaters, it was shown that the temperature and relative humidity distributions of the electric heating element installed greenhouse was much uniform than those of the oil hot air heater installed greenhouse. The heating energy consumptions during the heating period of 79 days were 867L for the oil hot air heater and 8,959 kWh for the electric heating element heater, and the heating costs were 607 and 403 thousand won respectively. In the electric heating element installed greenhouse, the cucumber growth was slightly better and the yield was 4.3% higher than those of the oil hot air heater installed greenhouse, but there were no statically significant difference in the cucumber growth and yield between greenhouses.

Optimum Conditions for the Removal of External Organic Carbon Sources in a Submerged Denitrification Biofilter (탈질 여과조에서 외부 탄소원 제거를 위한 적정 체류 시간과 외부 탄소원 종류 및 질산염 농도에 대한 외부 탄소원의 적정 비율)

  • 오승용;조재윤;윤길하
    • Journal of Aquaculture
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    • v.12 no.1
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    • pp.47-56
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    • 1999
  • Denitrification by anaerobic bacteria is one of the most common processes of removing nitrate from recirculating aquaculture systems. This process is affected by many factors such as external carbon sources, hydraulic retention time (HRT), and $COD/NO_3-N$ ratio. Although external organic carbon sources are essential for the denitrification process, these also contribute to increase dissolved organic carbon concentration in recirculating aquaculture systems. So these external organic carbons must be removed from the systems. This study was conducted to find out the optimum operating conditions for the removal of external organic carbons in a submerged denitrification biofilter. Combinations of two external carbon sources (glucose and methanol), two HRT (4- and 8-hour), and four different C:N ratios (3, 4, 5, and 6) were used in this experiment. The removal efficiencies of organic carbon sources at 8-hour HRT were always better than those at 4-hour's (P<0.05). Maximum removal efficiencies were achieved when C:N ratio was 5 in both glucose and methanol. The removal efficiencies of methanol were always better than those of glucose. The maximum removal efficiencies of glucose and methanol were 76.5% and 84.0%, respectively and the removal rates were 223.5 $g/m^2/day$ and 247.1$g/m^2/day$. The maximum removal rates of glucose (290.9 $g/m^2/day$) and methanol (355.6 $g/m^2/day$) were achieved at 4-hour HRT and 5 C:N ratio. But the concentrations of SCOD in the effluent of both glucose ($52.5 mg/\ell$) and methanol ($40.9 mg/\ell$) were too high for rearing fish. Therefore, the optimum operating conditions for the removal of external carbon in a submerged denitrification biofilter were 8-hour HRT and 5 C:N ratio. And methanol showed better efficiency as an external carbon sources.

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Project of Improving Good Agriculture Practice and Income by Intergrated Agricultural Farming (미얀마 우수농산물 재배기술 전수사업)

  • Lee, Young-Cheul;Choi, Dong-Yong
    • Journal of Practical Agriculture & Fisheries Research
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    • v.16 no.1
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    • pp.193-206
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    • 2014
  • The objectives of the project are to increase farmers' income through GAP and to reduce the loss of agricultural produce, for which the Korean partner takes a role of transferring needed technologies to the project site. To accomplish the project plan, it is set to implement the project with six components: construction of buildings, installation of agricultural facilities, establishment of demonstration farms, dispatching experts, conducting training program in Korea and provision of equipments. The Project Management Committee and the Project Implementation Team are consisted of Korean experts and senior officials from Department of Agriculture, Myanmar that managed the project systematically to ensure the success of the project. The process of the project are; the ceremony of laying the foundation and commencing the construction of training center in April, 2012. The Ribbon Cutting Ceremony for the completion of GAP Training Center was successfully held under PMC (MOAI, GAPI/ARDC) arrangement in SAl, Naypyitaw on June 17, 2012. The Chairman of GAPI, Dr. Sang Mu Lee, Director General U Kyaw Win of DOA, officials and staff members from Korea and Myanmar, teachers and students from SAl attended the ceremony. The team carried out an inspection and fixing donors' plates on donated project machineries, agro-equipments, vehicles, computers and printer, furniture, tools and so forth. Demonstration farm for paddy rice, fruits and vegetables was laid out in April, 2012. Twenty nine Korean rice varieties and many Korean vegetable varieties were introduced into GAP Project farm to check the suitability of the varieties under Myanmar growing conditions. Paddy was cultivated three times in DAR and twice in SAl. In June 2012, vinyl houses were started to be constructed for raising seedlings and finished in December 2012. Fruit orchard for mango, longan and dragon fruit was established in June, 2012. Vegetables were grown until successful harvest and the harvested produce was used for panel testing and distribution in January 2013. Machineries for postharvest handling systems were imported in November 2012. Setting the washing line for vegetables were finished and the system as run for testing in June 2013. New water tanks, pine lines, pump house and electricity were set up in October 2013.

Steam Reforming of Tar Produced from Biomass Gasification Using Ni/Ru-X/Al2O3 (X=K or Mn) Catalyst (Ni/Ru-X/Al2O3 (X=K or Mn) 촉매를 이용한 바이오매스 가스화 타르의 수증기개질)

  • Oh, Gunung;Park, Seo Yoon;Lee, Jae-Goo;Kim, Yong Ku;Ra, Ho Won;Seo, Myung Won;Yoon, Sang Jun
    • Clean Technology
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    • v.22 no.1
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    • pp.53-61
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    • 2016
  • Steam reforming of tar produced from biomass gasification was conducted using several Ni-based catalysts. In labscale, the catalytic steam reforming of toluene which is a major component of biomass tar was studied. A fixed bed reactor was used at various temperatures of 400-800 ℃. Ru (0.6 wt%) and Mn or K (1 wt%) were applied as a promoter in Ni based catalysts. Generally, Ni/Ru-K/Al2O3 catalyst shows higher performance on steam reforming of toluene than Ni/Ru-Mn/Al2O3 catalyst. Used catalysts were analyzed by XRD and TGA to detect sintering and carbon deposition. Base on the lab-scale studies, the monolith and pellet type catalysts were tested in 1 ton/day scale biomass gasification system. Ni/Ru-K/Al2O3 monolith catalyst shows high tar reforming performance at high temperature. In addition, Ni/Ru-Mn/Al2O3 monolith catalyst was showed deactivation with operation time. Reforming performance of Ni/Ru-K/Al2O3 pellet catalyst which showed 66.7% tar conversion at 587 ℃ was compared to regenerated one. Overall, Ni/Ru-K/Al2O3 pellet catalyst shows higher stability and performance than other used catalysts.

A Road Luminance Measurement Application based on Android (안드로이드 기반의 도로 밝기 측정 어플리케이션 구현)

  • Choi, Young-Hwan;Kim, Hongrae;Hong, Min
    • Journal of Internet Computing and Services
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    • v.16 no.2
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    • pp.49-55
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    • 2015
  • According to the statistics of traffic accidents over recent 5 years, traffic accidents during the night times happened more than the day times. There are various causes to occur traffic accidents and the one of the major causes is inappropriate or missing street lights that make driver's sight confused and causes the traffic accidents. In this paper, with smartphones, we designed and implemented a lane luminance measurement application which stores the information of driver's location, driving, and lane luminance into database in real time to figure out the inappropriate street light facilities and the area that does not have any street lights. This application is implemented under Native C/C++ environment using android NDK and it improves the operation speed than code written in Java or other languages. To measure the luminance of road, the input image with RGB color space is converted to image with YCbCr color space and Y value returns the luminance of road. The application detects the road lane and calculates the road lane luminance into the database sever. Also this application receives the road video image using smart phone's camera and improves the computational cost by allocating the ROI(Region of interest) of input images. The ROI of image is converted to Grayscale image and then applied the canny edge detector to extract the outline of lanes. After that, we applied hough line transform method to achieve the candidated lane group. The both sides of lane is selected by lane detection algorithm that utilizes the gradient of candidated lanes. When the both lanes of road are detected, we set up a triangle area with a height 20 pixels down from intersection of lanes and the luminance of road is estimated from this triangle area. Y value is calculated from the extracted each R, G, B value of pixels in the triangle. The average Y value of pixels is ranged between from 0 to 100 value to inform a luminance of road and each pixel values are represented with color between black and green. We store car location using smartphone's GPS sensor into the database server after analyzing the road lane video image with luminance of road about 60 meters ahead by wireless communication every 10 minutes. We expect that those collected road luminance information can warn drivers about safe driving or effectively improve the renovation plans of road luminance management.

Reliability Analysis on Firewater Supply Facilities based on the Probability Theory with Considering Common Cause Failures (소방수 공급설비에 대한 공통원인고장을 고려한 확률론적 신뢰도 분석)

  • Ko, Jae-Sun;Kim, Hyo
    • Fire Science and Engineering
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    • v.17 no.4
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    • pp.76-85
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    • 2003
  • In this study, we write down the definitions, their causes and the techniques of analysis as a theoretical consideration of common cause failures, and investigate the limitation and the importance of the common cause failures by applying to the analysis on the fire protection as a representative safety facility. As you can know in the reliability analysis, most impressive cause is the malfunctions of pumping operations; especially the common cause failure of two pumps is dominant. In other words, it is possible to assess system-reliability as twice as actual without CCF From these, CCF is extraordinarily important and the results are highly dependent on the CCF factor. And although it would increase with multiple installations, the reliability are not defined as linear with those multiplications. In addition, the differences in results due to the models for analysis are not significant, whereas the various sources of data produce highly different results. Therefore, we conclude that the reliabilities are dependent on the quality of the usable data much better than the variety of models. As a result, the basic and engineering device for the preventions of CCF of the multiple facilities is to design it as reliably as to design the fire-water pump. That is to say, we must assess those reliabilities using PFD whether they are appropriate to SIL (Safety Integrity Level) which is required for the reliability in SIS (Safety Instrumented System). The result of the analysis on the reliability of the fire-water supply with CCF shows that PFD is 3.80E-3, so that it cannot be said to be designed as safely as in the level of SIL5. However, without CCF, PFD is 1.82E-3 which means that they are designed as unsafely as before.

Fabrication and Performance of Anode-Supported Flat Tubular Solid Oxide Fuel Cell Unit Bundle (연료극 지지체식 평관형 고체산화물 연료전지 단위 번들의 제조 및 성능)

  • Lim, Tak-Hyoung;Kim, Gwan-Yeong;Park, Jae-Layng;Lee, Seung-Bok;Shin, Dong-Ryul;Song, Rak-Hyun
    • Journal of the Korean Electrochemical Society
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    • v.10 no.4
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    • pp.283-287
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    • 2007
  • KIER has been developing the anode-supported flat tubular solid oxide fuel cell unit bundle for the intermediate temperature($700{\sim}800^{\circ}C$) operation. Anode-supported flat tubular cells have Ni/YSZ cermet anode support, 8 moi.% $Y_2O_3$ stabilized $ZrO_2(YSZ)$ thin electrolyte, and cathode multi-layer composed of Sr-doped $LaSrMnO_3(LSM)$, LSM-YSZ composite, and $LaSrCoFeO_3(LSCF)$. The prepared anode-supported flat tubular cell was joined with ferritic stainless steel cap by induction brazing process. Current collection for the cathode was achieved by winding Ag wire and $La_{0.6}Sr_{0.4}CoO_3(LSCo)$ paste, while current collection for the anode was achieved by using Ni wire and felt. For making stack, the prepared anode-supported flat tubular cells with effective electrode area of $90\;cm^2$ connected in series with 12 unit bundles, in which unit bundle consists of two cells connected in parallel. The performance of unit bundle in 3% humidified $H_2$ and air at $800^{\circ}C$ shows maximum power density of $0.39\;W/cm^2$ (@ 0.7V). Through these experiments, we obtained basic technology of the anode-supported flat tubular cell and established the proprietary concept of the anode-supported flat tubular cell unit bundle.

DC Electric Field Characteristics considering Thermal Effect for HVDC Slip-on Type Outdoor Termination (HVDC 슬립 온형 기중 종단접속함에 대한 열 영향 반영 DC 전계 특성 평가)

  • Kwon, Ik-Soo;Hwang, Jae-Sang;Koo, Jae-Hong;Sakamoto, Kuniaki;Lee, Bang-Wook
    • KEPCO Journal on Electric Power and Energy
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    • v.1 no.1
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    • pp.39-46
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    • 2015
  • A outdoor termination installed at the outdoor substation is required to connect undergroud cables and overhead transmission lines. The joint box for AC transmission system is already developed and widely used to interconnect overhead and undergroud systems. But the development of the joint box for DC transmission system was only introduced from China and Japan, but theire developemnt staus and core technologies were not fully reported. In order to implement HVDC systems connecting ovehead transmission lines and undergroud cables, a outdoor termination should be developed, but the detailed specifications and information of this device were not reported. It is estimated that the development of the joint box for DC environment has some technical obstacles including insulating materials, electric field mitigation, thermal temperature rise, and space charge accumuations. Among this, the most important one is the DC elctrical insualtion design. Therefore, in order to investigate the DC elctrical insualton design of outdoor termination, the design of AC slip-on type outdoor termination is reffered, and DC electric field analysis performed to verify the possiblity of application of AC joint box into DC joint box. Especially for DC electric field analysis, temperature rise of insualting materials of a joint box was considered, because the conductivity of materials could be changed due to temperature rise. Furthermore, DC electric field analysis considering transinet state, and polarity reversal state were also investigated to verify which state is the most severe condition for the DC joint box. From the simualtion resulsts, it was shown that the value and the position of maximum electric field was obtained comparing AC state, DC state without temperaure rise, and DC state with temperaure rise. And it was confimred that severe DC electric field was observed considing temperaure rise. Finally, in order to reduce DC eletric field intensifation, different configuration of the joint box was applied and it was not possible to obtain satisfactory results. It means that the slight change of configuration of AC joint box was not the suitable soluton for DC joint box. It is essential to establish novel DC insulaton design skills and method for DC joint box to commercialze this product in the near future.

The Advancement of Underwriting Skill by Selective Risk Acceptance (보험Risk 세분화를 통한 언더라이팅 기법 선진화 방안)

  • Lee, Chan-Hee
    • The Journal of the Korean life insurance medical association
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    • v.24
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    • pp.49-78
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    • 2005
  • Ⅰ. 연구(硏究) 배경(背景) 및 목적(目的) o 우리나라 보험시장의 세대가입율은 86%로 보험시장 성숙기에 진입하였으며 기존의 전통적인 전업채널에서 방카슈랑스의 도입, 온라인전문보험사의 출현, TM 영업의 성장세 等멀티채널로 진행되고 있음 o LTC(장기간병), CI(치명적질환), 실손의료보험 등(等)선 진형 건강상품의 잇따른 출시로 보험리스크 관리측면에서 언더라이팅의 대비가 절실한 시점임 o 상품과 마케팅 等언더라이팅 측면에서 매우 밀접한 영역의 변화에 발맞추어 언더라이팅의 인수기법의 선진화가 시급히 요구되는 상황하에서 위험을 적절히 분류하고 평가하는 선진적 언더라이팅 기법 구축이 필수 적임 o 궁극적으로 고객의 다양한 보장니드 충족과 상품, 마케팅, 언더라이팅의 경쟁력 강화를 통한 보험사의 종합이익 극대화에 기여할 수 있는 방안을 모색하고자 함 Ⅱ. 선진보험시장(先進保險市場)Risk 세분화사례(細分化事例) 1. 환경적위험(環境的危險)에 따른 보험료(保險料) 차등(差等) (1) 위험직업 보험료 할증 o 미국, 유럽등(等) 대부분의 선진시장에서는 가입당시 피보험자의 직업위험도에 따라 보험료를 차등 적용중(中)임 o 가입하는 보장급부에 따라 직업 분류방법 및 할증방식도 상이하며 일반사망과 재해사망,납입면제, DI에 대해서 별도의 방법을 사용함 o 할증적용은 표준위험율의 일정배수를 적용하여 할증 보험료를 산출하거나, 가입금액당 일정한 추가보험료를 적용하고 있음 - 광부의 경우 재해사망 가입시 표준위험율의 300% 적용하며, 일반사망 가입시 $1,000당 $2.95 할증보험료 부가 (2) 위험취미 보험료 할증 o 취미와 관련 사고의 지속적 다발로 취미활동도 위험요소로 인식되어 보험료를 차등 적용중(中)임 o 할증보험료는 보험가입금액당 일정비율로 부가(가입 금액과 무관)하며, 신종레포츠 등(等)일부 위험취미는 통계의 부족으로 언더라이터가 할증율 결정하여 적용함 - 패러글라이딩 년(年)$26{\sim}50$회(回) 취미생활의 경우 가입금액 $1,000당 재해사망 $2, DI보험 8$ 할증보험료 부가 o 보험료 할증과는 별도로 위험취미에 대한 부담보를 적용함. 위험취미 활동으로 인한 보험사고 발생시 사망을 포함한 모든 급부에 대한 보장을 부(不)담보로 인수함. (3) 위험지역 거주/ 여행 보험료 할증 o 피보험자가 거주하고 있는 특정국가의 임시 혹은 영구적 거주시 기후위험, 거주지역의 위생과 의료수준, 여행위험, 전쟁과 폭동위험 등(等)을 고려하여 평가 o 일반사망, 재해사망 등(等)보장급부별로 할증보험료 부가 또는 거절 o 할증보험료는 보험全기간에 대해 동일하게 적용 - 러시아의 경우 가입금액 $1,000당 일반사망은 2$의 할증보험료 부가, 재해사망은 거절 (4) 기타 위험도에 대한 보험료 차등 o 비행관련 위험은 세가지로 분류(항공운송기, 개인비행, 군사비행), 청약서, 추가질문서, 진단서, 비행이력 정보를 바탕으로 할증보험료를 부가함 - 농약살포비행기조종사의 경우 가입금액 $1,000당 일반사망 6$의 할증보험료 부가, 재해사망은 거절 o 미국, 일본등(等)서는 교통사고나 교통위반 관련 기록을 활용하여 무(無)사고운전자에 대해 보험료 할인(우량체 위험요소로 활용) 2. 신체적위험도(身體的危險度)에 따른 보험료차등(保險料差等) (1) 표준미달체 보험료 할증 1) 총위험지수 500(초과위험지수 400)까지 인수 o 300이하는 25점단위, 300점 초과는 50점 단위로 13단계로 구분하여 할증보험료를 적용중(中)임 2) 삭감법과 할증법을 동시 적용 o 보험금 삭감부분만큼 할증보험료가 감소하는 효과가 있어 청약자에게 선택의 기회를 제공할수 있으며 고(高)위험 피보험자에게 유용함 3) 특정암에 대한 기왕력자에 대해 단기(Temporary)할증 적용 o 질병성향에 따라 가입후 $1{\sim}5$년간 할증보험료를 부가하고 보험료 할증 기간이 경과한 후에는 표준체보험료를 부가함 4) 할증보험료 반환옵션(Return of the extra premium)의 적용 o 보험계약이 유지중(中)이며, 일정기간 생존시 할증보험료가 반환됨 (2) 표준미달체 급부증액(Enhanced annuity) o 영국에서는 표준미달체를 대상으로 연금급부를 증가시킨 증액형 연금(Enhanced annuity) 상품을 개발 판매중(中)임 o 흡연, 직업, 병력 등(等)다양한 신체적, 환경적 위험도에 따라 표준체에 비해 증액연금을 차등 지급함 (3) 우량 피보험체 가격 세분화 o 미국시장에서는 $8{\sim}14$개 의적, 비(非)의적 위험요소에 대한 평가기준에 따라 표준체를 최대 8개 Class로 분류하여 할인보험료를 차등 적용 - 기왕력, 혈압, 가족력, 흡연, BMI, 콜레스테롤, 운전, 위험취미, 거주지, 비행력, 음주/마약 등(等) o 할인율은 회사, Class, 가입기준에 따라 상이(최대75%)하며, 가입연령은 최저 $16{\sim}20$세, 최대 $65{\sim}75$세, 최저보험금액은 10만달러(HIV검사가 필요한 최저 금액) o 일본시장에서는 $3{\sim}4$개 위험요소에 따라 $3{\sim}4$개 Class로 분류 우량체 할인중(中)임 o 유럽시장에서는 영국 등(等)일부시장에서만 비(非)흡연할인 또는 우량체할인 적용 Ⅲ. 국내보험시장(國內保險市場) 현황(現況)및 문제점(問題點) 1. 환경적위험도(環境的危險度)에 따른 가입한도제한(加入限度制限) (1) 위험직업 보험가입 제한 o 업계공동의 직업별 표준위험등급에 따라 각 보험사 자체적으로 위험등급별 가입한도를 설정 운영중(中)임. 비(非)위험직과의 형평성, 고(高)위험직업 보장 한계, 수익구조 불안정화 등(等)문제점을 내포하고 있음 - 광부의 경우 위험1급 적용으로 사망 최대 1억(億), 입원 1일(日) 2만원까지 제한 o 금융감독원이 2002년(年)7월(月)위험등급별 위험지수를 참조 위험율로 인가하였으나, 비위험직은 70%, 위험직은 200% 수준으로 산정되어 현실적 적용이 어려움 (2) 위험취미 보험가입 제한 o 해당취미의 직업종사자에 준(準)하여 직업위험등급을 적용하여 가입 한도를 제한하고 있음. 추가질문서를 활용하여 자격증 유무, 동호회 가입등(等)에 대한 세부정보를 입수하지 않음 - 패러글라이딩의 경우 위험2급을 적용, 사망보장 최대 2 억(億)까지 제한 (3) 거주지역/ 해외여행 보험가입 제한 o 각(各)보험사별로 지역적 특성상 사고재해 다발 지역에 대해 보험가입을 제한하고 있음 - 강원, 충청 일부지역 상해보험 가입불가 - 전북, 태백 일부지역 입원급여금 1일(日)2만원이내 o 해외여행을 포함한 해외체류에 대해서는 일정한 가입 요건을 정하여 운영중(中)이며, 가입한도 설정 보험가입을 제한하거나 재해집중보장 상품에 대해 거절함 - 러시아의 경우 단기체류는 위험1급 및 상해보험 가입 불가, 장기 체류는 거절처리함 2. 신체적위험도(身體的危險度)에 따른 인수차별화(引受差別化) (1) 표준미달체 인수방법 o 체증성, 항상성 위험에 대한 초과위험지수를 보험금삭감법으로 전환 사망보험에 적용(최대 5년(年))하여 5년(年)이후 보험 Risk노출 심각 o 보험료 할증은 일부 회사에서 주(主)보험 중심으로 사용중(中)이며, 총위험지수 300(8단계)까지 인수 - 주(主)보험 할증시 특약은 가입 불가하며, 암 기왕력자는 대부분 거절 o 신체부위 39가지, 질병 5가지에 대해 부담보 적용(입원, 수술 등(等)생존급부에 부담보) (2) 비(非)흡연/ 우량체 보험료 할인 o 1999년(年)최초 도입 이래 $3{\sim}4$개의 위험요소로 1개 Class 운영중(中)임 S생보사의 경우 비(非)흡연우량체, 비(非)흡연표준체의 2개 Class 운영 o 보험료 할인율은 회사, 상품에 따라 상이하며 최대 22%(영업보험료기준)임. 흡연여부는 뇨스틱을 활용 코티닌테스트를 실시함 o 우량체 판매는 신계약의 $2{\sim}15%$수준(회사의 정책에 따라 상이) Ⅳ. 언더라이팅 기법(技法) 선진화(先進化) 방안(方案) 1. 직업위험도별 보험료 차등 적용 o 생 손보 직업위험등급 일원화와 연계하여 3개등급으로 위험지수개편, 비위험직 기준으로 보험요율 차별적용 2. 위험취미에 대한 부담보 적용 o 해당취미를 원인으로 보험사고(사망포함) 발생시 부담보 제도 도입 3. 표준미달체 인수기법 선진화를 통한 인수범위 대폭 확대 o 보험료 할증법 적용 확대를 통한 Risk 헷지로 총위험지수 $300{\rightarrow}500$으로 확대(거절건 최소화) 4. 보험료 할증법 보험금 삭감 병행 적용 o 삭감기간을 적용한 보험료 할증방식 개발, 고객에게 선택권 제공 5. 기한부 보험료할증 부가 o 위암, 갑상선암 등(等)특정암의 성향에 따라 위험도가 높은 가입초기에 평준할증보험료를 적용하여 인수 6. 보험료 할증법 부가특약 확대 적용, 부담보 병행 사용 o 정기특약 등(等)사망관련 특약에 할증법 확대, 생존급부 특약은 부담보 7. 표준체 고객 세분화 확대 o 콜레스테롤, HDL 등(等)위험평가요소 확대를 통한 Class 세분화 Ⅴ. 기대효과(期待效果) 1. 고(高)위험직종사자, 위험취미자, 표준미달체에 대한 보험가입 문호개방 2. 보험계약자간 형평성 제고 및 다양한 고객의 보장니드에 부응 3. 상품판매 확대 및 Risk헷지를 통한 수입보험료 증대 및 사차익 개선 4. 본격적인 가격경쟁에 대비한 보험사 체질 개선 5. 회사 이미지 제고 및 진단 거부감 해소, 포트폴리오 약화 방지 Ⅵ. 결론(結論) o 종래의 소극적이고 일률적인 인수기법에서 탈피하여 피보험자를 다양한 측면에서 위험평가하여 적정 보험료 부가와 합리적 가입조건을 제시하는 적절한 위험평가 수단을 도입하고, o 언더라이팅 인수기법의 선진화와 함께 언더라이팅 인력의 전문화, 정보입수 및 시스템 인프라의 구축 등이 병행함으로써, o 보험사의 사차손익 관리측면에서 뿐만 아니라 보험시장 개방 및 급변하는 보험환경에 대비한 한국 생보언더라이팅 경쟁력 강화 및 언더라이터의 글로벌화에도 크게 기여할 것임.

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